please draw cash flow diagrams

5. The same family above realizes that the inheritance income will not materialize (so they are back to 4a). Instead, immediately after their 121 payment they decide to re-fianance at the lower rate of 2.15% per year compounded monthly. They decide to stick with the same munber of remaing monthly payments. What will be their new monthly payment? 4. A family takes a $275,000 20 year mortage at 3.50% annually compounded monthly a Compute their monthly payments, b. Immediately after the 121" payment, this family receives a $55,000 from an inheritance. They decide to put this entire amount against the amount they owe. Given that the bank expects them to maintain the same monthly payments as in 4a, compute the length of time (months) it will take to pay the laon off